If I had lots of money, I would build a castle made of chocolates.
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In the given sentence, the clause, 'If I had lots of money' is in the past perfect tense. 'Had' is the past participle form of the main verb 'have'. The auxiliary verb, 'had' itself acts as the main verb as well (The clause means: If I possessed a lot of money). In such clauses, the word, 'if' can be omitted and the sentence can be transformed by interchanging the position of the subject and the auxiliary verb, 'had'. In the given sentence, the subject is 'I'. So, the clause, 'If I had lots of money' can be re-stated as: 'Had I lots of money'. Hence, option A is the correct answer.
Option B: The modal, 'should' is used along with the simple present form of the main verb. Example: 'Should I have lots of money' is the correct usage. Hence, this option is incorrect.
Option C: This option is incorrect for two reasons: 1) The meaning is entirely different 2) The word, 'if' is not dropped.
Option D is incorrect as the word, 'had' is used twice in the same sentence. This is grammatically incorrect.